Tag Archive claims

Liability Insurance

Liability Insurance for Educators

Educators today face many liability issues that were unheard of a few years ago. Lawsuits can encompass a large range of employment practices as well as student and parent issues.

Liability Coverage for Educators

Educator liability insurance protects against a number of different risks faced by school boards and educators. Coverage typically protects both employees and volunteers who work for the school. In some cases, coverage may protect students as well.

Liability claims can be categorized as follows:

  • Employment practice claims – These claims, usually brought by teachers and other school workers, are the most common type of lawsuit faced by school boards. Claims include discrimination, sexual harassment, retaliation and denial of tenure. Issues with the hiring and termination process are also fairly common.
  • Student or parent issues – When a student is suspended or expelled from the school for unacceptable behavior, a claim may be filed against the school board, the principal or the teacher involved. Considered wrongful acts can include teacher bias or professional errors and omissions.

It’s important to select an insurance policy that is broad enough to cover all those who work within the school system.policy

Liability claims against educators can be devastating for a school of any size. Make sure you have adequate coverage to protect each person working within your school system.

Miscellaneous Professional Liability

MPL as an Added Protection

To protect your company from loss related to errors, omissions, or negligence that arise from claims made against your professional services, you will want to carry a professional liability coverage policy. As found in the information at https://www.huntersure.com, those working in printing, publishing, as a mortgage broker, or a travel agent could benefit from this protection in the event of a lawsuit against their company.

Industries Benefiting from MPL

There are hundreds of professions that face these liability concerns, and if you are operating in any of the following services, you may want to consider adding a miscellaneous professional liability (MPL) plan to your arsenal of insurance coverage. This for those in:

  • Information technology services
  • Insurance brokerage
  • Lobbying
  • Multimedia products
  • Process services

This form of coverage is good for those who work in distribution or manufacturing, as it is a way to protect against the financial damages that can arise during claims involving outsourced work, intellectual property, and online commerce transactions.

The realm of professional liability is highly complex, and your business may have unique exposures that aren’t addressed with a generically written policy. You should consult with an agency or broker that is familiar with your industry to give you the best advice on what level of protection you need. Through their help, the underwriting process can specifically address the risks that pose the greatest threat to your company.